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ADO (Employee Category)


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1. Role & Job Profile

  • Role Overview: As an Apprentice Development Officer (ADO) in the employee category, your primary task will be recruiting and training LIC agents, overseeing their performance, and driving insurance sales in your assigned territory 

  • Training Phase: The position begins with a structured Apprentice Period involving both theoretical instruction and field training, followed by a probationary period 

2. Salary & Benefits

Apprenticeship Stipend

  • Apprentice Period: Employee-category candidates receive a stipend "as per norms based on their previous emoluments" rather than the standard figure of ₹34,503/month 

Post-Probation Salary

  • Basic Pay Scale: ₹21,865 – ₹55,075 (structured increments over time) 

  • Typical In-Hand Salary (A-Class City): Around ₹37,345/month after including allowances 

  • Estimated Range: ₹34,503–₹37,345 during training and probation phases 

  • In-Hand Compensation (Experienced ADO): Approximately ₹45,000–₹55,000 per month, depending on location and allowances 

Allowances & Perks

  • Dearness Allowance (DA): Variable, around 40% of basic pay, adjusted quarterly 

  • House Rent Allowance (HRA): Varies by city; generally 7–9% of the basic pay 

  • City Compensatory Allowance (CCA): 0–4% depending on location 

  • Additional Benefits:

    • Defined Contributory Pension Scheme

    • Gratuity

    • Leave Travel Concession (LTC)

    • Medical & Accident Insurance

    • Vehicle Advance (2W/4W)

    • Mobile Handset, Briefcase Allowance, Daily Paper Reimbursement

    • Performance Incentives 

3. Career Growth & Promotion Path

LIC ADO offers a clear promotional route, advancing from ground-level sales training to high-level leadership roles:

Promotion Hierarchy:

Apprentice Development Officer → Probationary Development Officer → Development Officer → 
Assistant Branch Officer → Branch Officer → Senior Branch Officer → Assistant Divisional Officer → 
Divisional Officer → Senior Divisional Manager → Regional Manager

  • Timeline: Promotions typically occur every 4–8 years, based on performance, seniority, and available vacancies

  • With each promotion, responsibilities, authority, and compensation increase significantly 

    Summary Table